1991 Chevrolet Sportvan Insurance Quotes

Locating low-cost insurance for a Chevy Sportvan can turn out to be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to shop for insurance coverage so you’re going to learn the quickest way to compare rates on a Chevy and get the lowest price from both online companies and local agents.

Locating more affordable auto insurance is simple if you know the tricks. If you have a policy now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Drivers only need to know how to compare company rates online.

Insurance coverage quotes comparison

Shopping for lower insurance coverage rates can be a daunting task if you don’t understand the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the internet to get pricing more quickly.

Most of the larger companies take part in a program where insurance shoppers complete one form, and each company returns a competitive quote determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To get comparison pricing now click here to start a free quote.

The single downside to getting quotes like this is that you can’t choose which carriers you want pricing from. If you prefer to choose specific providers to compare, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

How you compare quotes is your choice, just ensure you’re using the exact same coverage limits for each quote you get. If your comparisons have different values for each quote it’s impossible to make an equal comparison.

Take advantage of with these discounts

Companies do not list the entire discount list very well, so the following list contains both well-publicized and also the more inconspicuous credits that may apply to you.

• Own a Home and Save – Owning your own home or condo can help you save on auto insurance because owning a home shows financial diligence.
• Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
• Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems can get savings of 20 to 30 percent.
• Discount for Good Grades – A discount for being a good student may save you up to 25%. You can use this discount normally up to age 25.
• Telematics Data – Drivers that enable companies to monitor their driving habits remotely such as Progressive’s Snapshot could save a few bucks if they show good driving skills.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will lower your policy premium.

If you would like to choose from a list of providers that offer multiple discounts, click this link.

Your situation helps dictate your coverage

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

• Can I afford low physical damage deductibles?
• What is no-fault insurance?
• Am I covered if I hit my neighbor’s mailbox?
• Does my policy pay for OEM or aftermarket parts?
• How many claims can I have before being cancelled?
• Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Smart consumers can reduce insurance rates

Lots of factors are considered when you get a price on insurance. Some of the criteria are obvious like an MVR report, although others are more obscure such as your credit history or your financial responsibility.An important part of buying insurance is that you know the factors that are used to determine the rates you pay for insurance. If you have a feel for what determines base rates, this allows you to make educated decisions that can earn you much lower annual insurance costs.

The factors shown below are some of the most common factors used by your company to calculate your rate level.

• Younger vs. experienced drivers – Mature drivers have been proven to be more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.Beginning drivers have been known to be inattentive in a vehicle and because of this, their insurance rates are much higher.
• Bundle policies to earn discounts – Some insurance companies will award lower prices to insureds who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, you still need to get quotes from other companies to verify if the discount is saving money.
• Liability coverage limits are a factor – Your policy’s liability coverage will afford coverage if a jury decides you are liable for damages from an accident. Your liability coverage provides legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.
• Premiums may be lower depending on your occupation – Did you know your insurance rates can be affected by your occupation? Jobs such as military personnel, executives and dentists have the highest rates attributed to high stress levels and lengthy work days. On the flip side, careers such as professors, engineers and performers pay lower than average rates for Sportvan coverage.
• Do safer cars cost less to insure? – Safe vehicles can get you lower premiums. These vehicles protect occupants better and reduced instances of injuries means less claims paid and cheaper rates on your policy. If your Chevy earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
• Big cities mean more claims – Choosing to live in areas with lower population can save you money when it comes to insurance. Less people corresponds to lower accident rates and lower theft and vandalism rates. City drivers have congested traffic and much longer commute distances. Higher commute times means more chances of being involved in an auto accident.

Can switching companies really save?

Drivers can’t get away from all the ads that promise big savings from the likes of State Farm, Allstate and Geico. They all make an identical promise that you can save after switching to their company.

How do they all charge less that you’re paying now? This is how they do it.

Insurance providers have a preferred profile for the driver that will most likely be profitable. For instance, this type of driver might have to be over the age of 50, has a low-risk occupation, and drives less than 10,000 miles a year. Any person who matches that profile will qualify for the lowest rates and will save a lot of money.

Consumers who may not quite match the requirements will probably be forced to pay higher rates and the customer buying from someone else. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how insurance companies can make those statements.

This really drives home the point why you absolutely need to compare quotes as often as possible. It is impossible to predict with any certainty which company will be your best fit.

Information about specific coverages

Understanding the coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

Collision insurance will pay to fix damage to your Sportvan resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, backing into a parked car, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as ambulance fees, EMT expenses, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Auto liability

This provides protection from damage that occurs to other people or property. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as emergency aid, medical expenses and court costs. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hail damage, a broken windshield, rock chips in glass and hitting a deer. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Smart consumers save more

In this article, we covered quite a bit of information on how to reduce 1991 Chevy Sportvan insurance rates online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on insurance is with a smaller regional carrier.

Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, lack of trust in their agent, unfair underwriting practices and delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is not as hard as you think.

Budget-friendly insurance is definitely available from both online companies and also from your neighborhood agents, so get free auto insurance quotes from both of them to get a complete price analysis. Some insurance providers do not offer internet price quotes and these regional carriers only sell through independent insurance agents.

More tips and info about insurance can be found in these articles:

• Comprehensive Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)